LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,948
−HK$5,390/mo
▼ 0.25% · 3.875%
HK$88,621
−HK$2,717/mo
Today · 4.125%
HK$91,338
baseline
▲ 0.50% · 4.625%
HK$96,895
+HK$5,557/mo
Deposit HK$18.85M · loan HK$18.85M · min. income ≈ HK$182,676/mo (50% DSR)
Upfront cash ≈ HK$20.45M (deposit + AVD stamp duty HK$1,601,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,616
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$98,181
−HK$2,601/mo
Today · 4.125%
HK$100,782
baseline
▲ 0.50% · 4.625%
HK$106,095
+HK$5,313/mo
Deposit HK$18.85M · loan HK$18.85M · min. income ≈ HK$201,564/mo (50% DSR)
Upfront cash ≈ HK$20.45M (deposit + AVD stamp duty HK$1,601,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,138
−HK$6,467/mo
▼ 0.25% · 3.875%
HK$106,346
−HK$3,259/mo
Today · 4.125%
HK$109,605
baseline
▲ 0.50% · 4.625%
HK$116,274
+HK$6,669/mo
Deposit HK$15.08M · loan HK$22.62M · min. income ≈ HK$219,210/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,601,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,740
−HK$6,199/mo
▼ 0.25% · 3.875%
HK$117,817
−HK$3,122/mo
Today · 4.125%
HK$120,939
baseline
▲ 0.50% · 4.625%
HK$127,313
+HK$6,374/mo
Deposit HK$15.08M · loan HK$22.62M · min. income ≈ HK$241,878/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,601,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,327
−HK$7,546/mo
▼ 0.25% · 3.875%
HK$124,070
−HK$3,803/mo
Today · 4.125%
HK$127,873
baseline
▲ 0.50% · 4.625%
HK$135,654
+HK$7,781/mo
Deposit HK$11.31M · loan HK$26.38M · min. income ≈ HK$255,746/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,601,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,863
−HK$7,232/mo
▼ 0.25% · 3.875%
HK$137,453
−HK$3,642/mo
Today · 4.125%
HK$141,095
baseline
▲ 0.50% · 4.625%
HK$148,532
+HK$7,437/mo
Deposit HK$11.31M · loan HK$26.38M · min. income ≈ HK$282,190/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,601,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,706
−HK$9,702/mo
▼ 0.25% · 3.875%
HK$159,519
−HK$4,889/mo
Today · 4.125%
HK$164,408
baseline
▲ 0.50% · 4.625%
HK$174,412
+HK$10,004/mo
Deposit HK$3.77M · loan HK$33.92M · min. income ≈ HK$328,816/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,601,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,109
−HK$9,299/mo
▼ 0.25% · 3.875%
HK$176,725
−HK$4,683/mo
Today · 4.125%
HK$181,408
baseline
▲ 0.50% · 4.625%
HK$190,970
+HK$9,562/mo
Deposit HK$3.77M · loan HK$33.92M · min. income ≈ HK$362,816/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,601,921 · Scale 2, in force from 26 Feb 2026)